If you're going to a bank, you'll want to look for a smaller, community bank that has a history of lending on retail centers and multi-family...what they call "CRE" lending vs the owner-occupied "C&I" lending.

Here there is a 25 GPG hardness and .2-.8PPM (not sure specifically what my rental has), which leads to buildup and rust, in addition, there has been a history of too high magnesium which caused an advisory from the city itself about potentially unsafe levels of magnesium. 

obviously it would have to be no income verification lender. i understand that the interest rate might very well be higher. i have good credit and an impeccable payment history. im looking to consolidate and pay off debts other than the property. much thanks in advance 

I think identifying these markets that have a history of vacation rentals (so STR regulations are not worried about), near State or Regional Attractions (alot of national attractions may be priced out but not all), while also being affordable for the average STR investor.

It was listed on the MLS and I had been following the history.

If your property has a history of termite damage, you may be wondering whether an annual pest control service is worth the investment.

Verifying last 2 years of rental history very important!

For applicants on a work visa, traditional tenant screening methods can be a bit tricky if they haven’t established a U.S. credit history.

Instead of using your personal income, employment history and DTI to qualify, a lender would look at the income or potential income of the property to make sure it cash flows after taxes and insurance are accounted for.

Then we'll look at credit and background checks to make sure you don't have a history of fraud.